Guaranty Association Benefits Company

Apart from the registration Open, you can purchase a major medical insurance if health you are eligible for a special enrollment period (SEP). Most SEPs are granted for the events of the qualification of life, like getting married, having a baby, or move to a new state.

However, there are also complex cases that can give you the opportunity to purchase health insurance outside of Open Enrollment:

• exceptional circumstances you confronted a serious medical condition that prevented you from registering

• misinformation or misrepresentation a disinformation health insurance company or agent led by subscribing to the wrong plan

• registration error: Your request has health insurance was rejected because of missing data

• system errors related to immigration status: a processing error caused your eligibility for immigration to be inaccurate when you applied for health insurance

• incorrect Medicaid transfers: you have been ill advised to be eligible for Medicaid

• domestic violence victims: you were not allowed to register and receive a tax subsidy separately from your spouse

• other errors system: you experience other system errors that prevented you to sign up for health insurance

• unable to complete registration Open Enrollment completed before

If you think you qualify for September 1 to speak with one of the licensed agents of GoHealth today to find the health plan best for you . I do not know if you qualify for one of these exceptions? GoHealth agents can help, too. Call 888-322-7557 to speak directly with an agent, or start shopping online.

Many of you might have a health savings account (HSA) and realize that you have more money account that you need . Maybe you're not even sure what the HSA's all. What is the money in your HSA account can be used?

In some cases, you can use the funds in your HSA to pay for health insurance premiums. The more you understand your HSA, the more you can work your tax-free money for you. Let's take a closer look.

What is a Health Savings Account?

An HSA is a tax-exempt account you or your employer can pay money to, then you can put these funds to eligible medical expenses. In order to become eligible for an HSA, you must enroll in a high deductible plan. Your HSA money is yours and will continue to grow each year tax-free

qualified medical expenses, as defined by the Internal Revenue Service could include :.

• Hospital services
• prescription
drugs
• long-term care
• Birth control
• treatment Institute of health

What about health insurance premiums?

a health insurance premium is the monthly fee charged by an insurance company for coverage. The amount of money charged for your insurance premium is determined by your age, health, residence, and more specific details.

Your HSA money can be used toward insurance premiums, but only specific types, such as care coverage long term health coverage while you are unemployed, and the Federal Coverage continuation of health care, also known as COBRA. If you are 65 or older, HSA funds can also be used to pay health insurance, with the exception of Medicare supplement policies.

However, if you try to use your HSA money to pay for large premiums in general medicine, which would be considered a non-medical withdrawal and would face taxes and penalties. Before you decide to use your HSA funds to pay your premiums, make sure your plan is eligible.

Men, more room for excuses: It's time to get serious about your health.

Today marks the beginning of the Week of the national men's health, which aims to educate preventable health problems and encourage the detection and treatment of disease early. He encourages all men and boys to make their health a priority.

Although prevention and early detection is extremely important for human health, there are some steps you can take today to improve your health immediately.

1. lose tobacco. There is no secret that smoking leads to various diseases, including cancer. Quit now to avoid becoming one of the 16 million people living with a smoking-related illness.
2. Get more sleep. Although most adults can operate with as little as six hours of sleep, most of us really need between seven and half to eight hours to feel our best.
3. Eat more vegetables. At 45, the man who gets at least 30 minutes of exercise a day should consume three cups of vegetables and a half each day. Throw some green leafy vegetables in your morning smoothie for easy integration.
4. Stay active. Regular exercise can help men reduce their cholesterol, reduce inflammation, and protect against colon cancer, among other benefits. Disguise your workout by choosing a fun activity like swimming or take the game.
5. Get health insurance. Not only obtain health insurance protect you against damage and costly medical expenses, but it also helps you avoid costly tax penalty for going uninsured.

Need help to get health insurance? Do you have questions about your current coverage? GoHealth can help. Visit GoHealthInsurance.com or call 888-322-7557 today to get the health insurance you need!

Lauren Mandel

The struggle is real: Eating healthy during the was not easy, especially with barbecues and ice around every corner. But if you want to stay healthy throughout the season, there are some delicious recipes that will keep you satiated and satisfied. We've rounded up some of our favorite healthy we think you'll enjoy.

Chicken and Watermelon both have advantages amazing health, including lots of protein and packed with water, respectively. When you put the two together and refill the dish with a tasty dressing, you have a perfect summer dinner.

Find Thai chicken and watermelon salad recipe here.

wild salmon is often considered one of the healthiest foods in the world, rich in protein and filled with omega-3 fatty acids. In this dish, it really comes to life thanks to a punchy sauce made with orange juice and lime, sake, and soy sauce. And only 500 calories per serving healthy, your waistline thank you.

Find ponzu grilled salmon recipe here.

Vegetarians, rejoice: Summer is high season for the best products available. It jumped from summer vegetables include corn, okra, red pepper, and lots of fresh coriander. Even meat lovers will enjoy this vibrant and healthy combination.

Find maize and summer vegetables jumped recipe here.

The meat, cheese and fruits are some of our favorite things year. This combination with prosciutto, mozzarella, and cantaloupe is sure to be a crowd-pleaser health this summer. Prick the ingredients and drizzle with balsamic reduction for an easy appetizer.

Find the recipe here skewer.

It is quite difficult to find a healthy and delicious dessert, but these popsicles to cherry lime are an exception. These sweet and tart popsicles are the perfect treat for a hot summer day, and they can even help you and your family stay healthy and hydrated.

Find lime cherry ice pop recipe here.

Tell us: What is your favorite healthy summer recipe

Lauren Mandel

In an effort to highlight how it can be expensive to go without health insurance, we created a series of graphs to illustrate "the cost of going uninsured."

Nobody wants to end up in the hospital unexpectedly, but unfortunately fall ill and need this type of care is always a possibility. The only thing that can make a stay in hospital is the worst paying for expensive medical costs resulting completely out of pocket.

The graph below shows how much you could save on a hospital stay for a day while having health insurance. Instead, it would be nice to use this money to be pampered once you're safely home

And remember :? If you find yourself in a situation where you need to go to hospital, individual health plans are now required to cover hospitalization as one of the 10 essential health services. Find health insurance for you and your family now GoHealthInsurance.com.

Lauren Mandel

It is true that the treatment of diseases accounts chronic for 86 percent of the cost of health care in the United States. However, this does not mean you have to be responsible for all your medical expenses if you suffer from a chronic disease.

Many health plans in the past have covered the necessary treatment for well-known injuries like a broken arm or a broken wrist. But get coverage for something like physical therapy to treat multiple sclerosis has proved much more difficult.

But now the Affordable Care Act requires all qualified health plans to cover certain equipment and services to help anyone with a chronic disease to maintain a standard of living. This is just one of the 10 essential health benefits established by Obamacare, and others include hospitalization, pediatric care and emergency services.

If you have a chronic disease and not have health insurance, it is important to remember that you can not be denied or charged more for coverage because of a preexisting condition . When Open Enrollment begins November 1, make the trip to get health insurance coverage you need.

Visit GoHealthInsurance.com to start navigation plans today.

Lauren Mandel

"Do you want to get your vaccinated against the flu today? "ask your doctor.

If you answer "no" and give up your vaccine for the year, you are passing up one of the main things you can do to avoid getting the flu.

on average, 0,000 Americans are hospitalized due to complications from contracting the flu virus every year. Up to 20 percent of the population of the United States may get the flu this year alone.

So what can you do to keep your family safe from this dangerous disease sometimes? Here are three ways to avoid getting the flu this winter.

Get vaccinated.

Most people think automatically get the vaccine against the flu means getting the vaccine against influenza. However, there are several types of vaccines, you may receive to protect against influenza

• Flu shot :. This is the route many people choose, that injects the dead virus in your system of protection against the live influenza virus in the future. This method is available for those aged 18 to 64.
• nasal spray: FluMist contains a live version, but weakened influenza virus. This method is recommended for anyone, including young children who can not get the vaccine against influenza
• vaccines without oeufs- :. These vaccines are available for anyone ages 18 to 64 with severe allergy to eggs [
• Fluzone: .. This version is available for over 65 years and helps protect the immune system

Stop the spread of germs

it seems simple, but many of us still we endanger (or put others in danger when we are sick) when it comes to the flu.

• Avoid close contact with those who have the flu or have recently got over the flu.
• Wash your hands often with warm water and soap.
• Avoid touching your eyes, nose and mouth, especially after being in public.
• Once you got over the flu, disinfect all surfaces that you come in contact with any patient.

Live your life healthier.

If you build a healthy immune system and keep it throughout the year, there is a chance of getting you the flu.

• Get a good night. For most people, this means 8 hours of sleep each night.
• Eat a well balanced diet filled with nutrients to help fight the flu.
• Avoid bad habits. Living a life of high stress and smoking can lower your immunity.

Lauren Mandel

a recent report of the health policy Center of the urban Institute, one in five adults said they had unmet need for dental care because they could not afford care corresponding health. Those same people said they were more likely to go without dental care than most other medical services.

But should we not value our dental health in the same way we prefer all other aspects of our health?

While Obamacare mandates that children health plans offer dental coverage, the same rule does not apply to adults. And it is clear that they are not ready to provide dental coverage on their own: An estimated 130 million Americans do not have dental insurance

Even employers do not always offer insurance dental as part of their benefits programs .: Only about half of employers offered health insurance plans also offer their employees dental coverage in 2014.

so while you can always find dental insurance plans on the market in the same way, you can find health insurance plans Obamacare, there is another alternative :. dental savings plans

dental savings plans help you save money on dental services at participating dentists. They are not insurance plans, so there are no copays or premiums in question. You simply pay for the services you receive.

dental savings is part of GoHealth Access, a tool that allows you to save up to 50 percent on various dental services and procedures, including oral exams and unlimited cleanings and dentures , root canals, and crowns. You can access these services through one of the largest dental networks in the country.

dental savings is just one of the features of GoHealth Access, a tool to use health care and savings. Once you buy a GoHealth Access plan, you can take advantage of its other features, including prescription savings, chatting with licensed physician by phone, and more.

Visit GoHealthAccess.com to find your plan and start saving on dental procedures you need.

Lauren Mandel

If you're like us, you try to think of New year's resolutions every year at this time. The new year means new improvements in life, right?

But coming up with these potential life improvements can be harder than you might think. Do raise your two-day workout three really make that much difference in your life? Would it be more productive to resolve to drink more water, or that of reaching out to an old friend to reconnect?

Because there are so many choices, we decided to help. Here are some New Year's resolutions GoHealth employees planning to attack from 2016.

"Hit the gym at least three days a week and spend more time traveling with my family and friends " - Samantha

" .. the resolution of my new year is to train and be able to run a full marathon by the end of the year " - Joe

" the resolution of my new year is to eat healthier by choosing to eat less red meat and less saturated fat We all need to watch our cholesterol and blood pressure. " - Mark

"! for the month of January, I will vegetarian! I do not plan to be a long-term vegetarian, but I'm excited to see what I learn about the benefits (to myself and the environment) to live a life without meat for a month! " - Lauren

" Buy food less frozen and plan my meals around using fresh ingredients ". - Erica

now it's your turn: What is your New year resolution sound a quick and easy option is to get health insurance for the coming year you have just a few?. weeks left before the end of Open Enrollment, so take action now.

Lauren Mandel

It's finally here: 2016 last weekend Obamacare Open Enrollment. What does this mean to you? This means that if you do not have health insurance now, you better hurry and get before the Sunday night deadline.

As a reminder, all Americans are required by law to have health insurance or face a fine. This fine on average could be around $ 1,000 per person this year, so you're better register for health insurance before it's too late.

Think you do not need health insurance? Well, there are countless reasons why you do. We explained why go without coverage may be all the other ways (more exciting) that you could spend your extremely expensive penalty tax money and.

If you think you can not afford health insurance, you could be wrong. Now there is financial aid options thanks to the Affordable Care Act, including tax credits and sharing cuts costs. Make sure you know if you qualify for one of these grants before you enroll in a plan.

If you were automatically re-enrolled in your plan last year, you still have time to change your coverage. Learn more about the steps you need to take to explore your plan options and potentially save more money.

Last year, a time extension was announced to give people one last chance to get the coverage they need. But this year is different: there will be no deadline extension for open enrollment. This means your absolute deadline is this Sunday, January 31

Do not wait until it's too late. Visit GoHealth.com to find your health plan in 2016 now.

Lauren Mandel

The criticism surrounding Obamacare is nothing new . Since it was signed into law in 2010, the Affordable Care Act has faced its fair share of the game.

The last concern is that next year's contribution rate will increase so that no American will be able to afford health insurance. Not only is this hyperbole, but it can not be true. While health insurance premiums may increase overall in 2017, Americans should not panic. In fact, most would not be affected at all by these supposedly increases.

A recent piece Vox described the changes might look like Obamacare premiums for the coming year. Insurers will ask for higher premiums, because many rate initially set too low to make a decent profit. It is important to remember that increases in health insurance are nothing new; they occurred well before the Affordable Care Act into play, often at higher increases we have seen in recent years.

If premiums rise indeed, there will be adjustments to how tax credits are calculated. Tax credits help most registered market - last year's 85 percent - that they cover. These tax credit adjustments will these people continue to be able to pay their coverage in 2017 and beyond.

As we have seen in the past, premiums have actually decreased in some regions of the country, even when they were predicted to increase. Premium prices also depend on where you live, from which the State to which the city to which the county.

For example, if you lived in Tulsa, Oklahoma last year, you've probably seen a decrease in the average premium of 35.2 percent. People in Portland, Oregon saw an average decline of 22.9 percent. So to generalize that everyone in the United States see the most expensive premiums next year might not be true.

Like much of the news surrounding the Affordable Care Act and the Future of the law itself, the premium increases are difficult to predict. While we await official confirmation regarding premium changes, do not forget the good law has done for millions of Americans.

For more news and updates Obamacare, be sure to follow us on Twitter.

by Jenny Fliegel

you or a loved one turn at being 65 recently? Do you approach your 65 ^e birthday? Now is the time to prepare for Medicare

You might be surprised to learn that Original Medicare -. Parts A & B - does not cover prescription drugs. But between the types of schemes with multiple names and a variety of options to choose from, finding good cover prescription drugs can be confusing.

It is important to know that all eligible Medicare individuals are entitled to coverage when they get prescription drugs Medicare original, regardless of income. Fortunately, you can not be refused for reasons of health, income, or because of the fact that you are taking a variety of prescription drugs.

Even if you are not currently taking prescription medications, keep in mind that these plans give you the peace of mind that you have coverage if you suddenly need. Before you decide whether or not to sign up for the coverage of Medicare prescription drug, it is important to understand all your options.

You need parts A & B before moving on to Part C or D.

For coverage of prescription drugs, you can register at a Medicare Advantage plan (Part C) or a drug plan prescription drug (Part D). However, be aware that to be eligible for these plans, you must first have Original Medicare, which is both Parts A and B.

Original Medicare covers hospital and basic medical care . While you are automatically enrolled in Part A when you reach 65, you may not know that you must actively enroll in Part B. To sign up for Part B, you must contact your local office social Security.

Option 1: The Medicare Advantage plan (Part C)

an option to help you get coverage for prescription drugs is to choose a Medicare Advantage plan or part C. If you choose to enroll in a Medicare Advantage plan, you will receive your Medicare benefits in one package, usually through a preferred provider organization (PPO) and Health Maintenance Organization (HMO).

Medicare Advantage plans are required to cover all the same benefits as original Medicare, while offering additional benefits such as coverage for prescription drugs and the possibility of lower coinsurance. You may notice differences in out-of-pocket costs plane C relative to the original Medicare

Option 2 :. Medicare Plan prescription drug (Part D)

If you're looking for coverage of prescription drugs, you can also choose to join a Medicare Prescription Drug Plan, or in part D. Medicare part D is a standalone plan that provides coverage for outpatient prescription drugs. If you have Original Medicare, you can simply add Part D coverage you already have.

Before choosing between parts C and D, review your specific prescription drugs. Each Part D plan can vary not only costs, but also in specific covered drugs

Option 3 :. Medicare Supplement

Although they do not necessarily cover the specific prescription drug costs, Medicare supplement plans bridge the gap of some costs that are not covered by insurance original disease. These plans can complete your coverage by helping to pay for expenses out of pocket, such as deductibles, co-payments, and coinsurance.

It is important to keep in mind that you can not have a Medicare Supplement plan and the plan C at the same time.

Medicare has neither reviewed nor endorsed this information.

There has been much discussion about the implementation of a health system electronics and medical records ?. Experts say the modernization of records can save the exhausted billion health care system - reducing administrative costs, reduce medical errors, and improving the quality of care.

A main theme of electronic documents is improved communication between health care providers.

So what e-mail and electronic communication between patients and doctors? Is this a good thing?

In California, Kaiser Permanente health insurer has launched a program allowing patients and doctors to communicate by e-mail it two years ago, reported Bay Area News Group based in San Francisco .

Kaiser system informs the physician or the patient by email when there is a message for them on the secure website of the insurer California.

"I think [email] is very useful when the patient requires clarification of the issues we discussed in a meeting," said Dr. Daniel Combitsis, a Kaiser primary care physician.

"It is also helpful when reviewing lab tests. Rather than trying to find someone on the phone, or just send a letter a few days later, I can explain their [test] results in a message in a timely manner without pressure, "added Dr.Combitsis.

most agree that email between patients and doctors can be a time and money saver. But sometimes the emails lead to miscommunications

Like humans, a much of our daily communication is based on physical reactions - .. including facial expression and tone of voice

"most of what we do as doctors is to understand and interpret communications. Even when talking to a patient on the phone, a layer is removed from the process of communication, "said Dr. Caren Vance.

"I can read a level of anxiety in person, and even on the phone, but not in an email," Dr. Vance said.

in general, health professionals agree with Dr. Vance. Email should not replace personal contact and physical appointment, wrote the article Bay Area News, he should complete the relationship of a patient with their doctor.

"It is not useful as a discussion of an initial problem, but it is wonderful for a problem that could have come back after resolving out. It allows the conversation to continue rather than waiting for a visit back, "said Dr. William Lide, a dermatologist Kaiser.

Many scientists have tried to find evidence difficult to prove laughter is actually good for your health.

It comes from the idea that psychological forces in our brain can affect our physical health directly, both negative and positive.

We see evidence in research studies when people show improvement in health after taking a placebo (ineffective) drug after they are told the drug will work.

Another example of how your mind can affect your health is stress. Health conditions such as high blood pressure, stroke, and heart attacks have been scientifically linked to high levels of stress.

Research conducted by Dr. Lee Berk of Loma Linda University in California suggests, it is also a scientific link to reduce stress through laughter.

the results of the study showed that the level of stress hormones actually decreases with the anticipation of laughter.

Dr. Berk tested the levels of stress hormones in people after they were informed that they would soon see a funny video. He found that the levels of three different types of stress hormones decreased in subjects anticipating the funny video, reported Reuters .

"Our results lead us to believe that the search for positive experiences that make us laugh we can do a lot with our physiology to stay well," said Dr. Berk

of other studies have suggested that laughter has other advantages -. including reduction of blood sugar in diabetics, the increased activity in the immune system, and helping heart health, reported Indianapolis Star .

However, evidence that laughter really is good for your health is not defined. Unfortunately, doctors can not prescribe to watch a funny movie or a favorite sitcom to cure the disease. But laughter can help you feel better

This is a small / joke of health-related computer for today's post :.

What was the injured computer? Because he slipped a disc!

Electronic medical records have been touted by many experts and healthcare as legislators an easy way to cut the costs of long-term health care, and even improve the delivery of care.

Florida legislators agreed. There are four years, they said there would be a statewide switch to an electronic archiving system. But it never really happened because there was no money for this in the state budget.

A bill was proposed last year to finance an electronic system, but it failed to gain approval. Another bill was passed unanimously by the House of Representatives of the state that would provide grants and interest-free loans, but it still was not funded.

State Representative Denise Grimsley introduced the bill and wanted to get at least $ 2 million from the State, reported Miami Herald

But that chances are slim -. the health insurance programs and health care of Florida were the first on the list to cut the state faces a budget deficit.

Yet health care organizations such as Exchange South Florida health information going forward to prove that electronic medical records are worth the investment.

"It would save dollars" taxpayers and improve patient care. Everyone wants to see how we can offer a quality service to the uninsured, but reduce the money we spend " said Dr. Kate Callahan, executive director of the exchange of information.

Autism is a complex developmental disorder. And it affects more than one in 150 children in the United States, according to the Autism Society of America.

Autistic children may have difficulty with social interaction and communication, and different degrees of severity, says Autism Society.

In particular, some children with autism have difficulty using a computer and surf the Internet.

John LeSieur of Saint Remi, Quebec, noticed that his little son with autism has difficulty navigating the web -. frustrated by the number of options, amount of content and advertising

so he developed a web browser that makes navigation easier on the net for children with autism by blocking adult content, ads and other unnecessary clutter [

LeSieur the program, named after the Zac Browser his little son, uses large icons for users to click and only leads to certain websites and puts focus on educational materials, reported Boston Globe and the Associated Press.

Zac Browser disables unnecessary same key on the right-click the mouse button to simplify the functionality of a computer keyboard.

The AP article noted that autism affects every child differently, and this browser will not be useful for all children.

But the Zac Browser appears to have a warm welcome.

It can be downloaded for free on http://www.zacbrowser.com.

Democratic vice-presidential candidate Biden offered a warning health insurance in St. Louis, Missouri residents: John McCain and Sarah Palin Republicans will put your group health insurance at risk

"for the first time in American history, they want to impose your health care benefits .. I do not do this, "said Senator Biden.

Senator Biden is right.

Arizona Senator John McCain wants to push more workers into the individual health insurance market. McCain's health insurance plan calls for removing the employer's tax incentive to provide health benefits - by levying new taxes, reported St. Louis Post Dispatch .

According to Senator Biden, "a person who earns $ 50,000 a year, with health care provided by the employer is $ 12,000 per year, would be subject to tax on all $ 62,000. "

running mate of Senator Biden, Senator Barack Obama of Illinois, instead would keep the health insurance system sponsored by the employer and require all companies either provide health benefits or help their workers buy a plan.

the number of people who go online to find their health insurance plan is growing and will likely continue to grow in the coming years.

What can we say as consumers? . We love the convenience of the Internet

This is proof: GoHealthInsurance.com gets almost 5,000 visitors every day . Most of these visitors are not looking for a health insurance blog (sniff), but they are looking to buy a health plan and / or if you want to get free health insurance quotes and compare rate.

So what is an online health insurance buyer looks?

recently Norvax, Inc. conducted a research study on the demographics of the online shopper Health Insurance, Health Blog wrote the Wall Street Journal.

Among the interesting findings, the Norvax report found that, in total, just over 15 percent of online shoppers are insurable.

A person is generally considered "uninsurable" if they have serious pre-existing health conditions or who have a body mass index (BMI) of 39 or more. health insurance companies to determine if a person is uninsurable monthly premiums and fixed in a process called underwriting.

The report also found that the majority of people who shop online for health insurance are women aged between 20 and 49 years old.

Norvax report of the data came from a little over 446,500 online shoppers from June to August this year.

For the full report of Norvax, the parent company of GoHealthInsurance.com, visit http://www.norvax.com/data_report_download.pdf.

As a consumer, you trust your health insurance company to load you fair rates for your coverage and your health care costs.

As a health insurance company, you trust your claims proper research company to Provide data on how much you need to reimburse your Policyholders for Their Health insurance claims.

Unfortunately for Consumers and the health insurance companies, the wheels on the bus fell off on Both accounts.

Ingenix, a health insurance research firm Who Provides claims data for Several of the Largest Insurers in the country, has-been accusé of Manipulating data so insurance companies end up paying much less then They shoulds in Reimbursements to Their Policyholders.

New York Attorney General Andrew Cuomo, who is no stranger to scrutinizing health insurance companies 'business practices, is leading the investigation.

As result of the data manipulation by Ingenix, reads a report by Cuomo, "Americans-have-been under-reimbursed to the tune of at least Hundreds of millions of dollars" Reported the MSNBC .

"This was unethical, and it robbed vulnerable patients of insurance Reimbursements They deserved," Said Cuomo.

Insurers Themselves are Being Implicated in contention tactics , aim it's hard to Believe They'd knowingly Participate in Such an egregious act.

It's a double whammy for Consumers and Insurers. Ouch and ouch.

UPDATE : The Wall Street Journal reported that after a conversion with Ron Pollack of families USA, an advocacy group for health care, Governor Sebelius said she would take the HHS Secretary job. But the governor of Kansas "The office has not commented on It." S increasingly looking like Sebelius will be the next candidate

ORIGINAL POST :.

The latest buzz in Washington, in addition to the upcoming stimulus package, is who will fill the vacancy left by former Senator Tom Daschle Secretary of the Department of Health and Human Services.

So far, the media seems to think Kansas Governor Kathleen Sebelius is the most likely choice.

Although Governor Sebelius has publicly stated that Obama does not want a job in December, it may be a good candidate to push the agenda of health reform of the new president.

So why Sebelius in the study?

Well, it is in the good books with President Obama, quickly throwing his support to him during the presidential primary of 08. It was the Kansas insurance commissioner from 1994 to 02 in from which it now has a roadmap to stand up to the industry of health insurance.

Sebelius is also the governor in a Republican state, suggesting that it has the aura of bipartisanship Obama-like about his

There is no official word Sebelius if the governor wants the job, but it is still to say whether it will take up -. an almost infallible guarantee, it is at least thinking about taking a position if offered.

secondly, the reason Governor Sebelius to first remove his name from other positions in the White House was because she wanted to focus on Kansas obtaining a budgetary deficit . Sebelius is the Democratic candidate up for a seat in the US Senate opened in 2010. Accepting the HHS work would obviously be out of the Senate race.

Is Sebelius have what it takes to be the reformer of Health President Obama wanted Daschle to be?

We'll see.

Today, President Barack Obama will complete his cabinet with the official appointment of Kansas Governor Kathleen Sebelius for health and human services (HHS) Secretary, reported New York Times .

Obama administration took a little less than a month for the veterinary Governor Sebelius, a long time to avoid the same problems with former Senator Tom Daschle.

But Governor Sebelius could face resistance and Senate Republicans difficult issues that question his support for a greater government role in health care and abortion rights.

so that the health care industry can expect Sebelius as HHS chief?

based on his record as governor and Kansas insurance commissioner, Sebelius shares much of the vision of President Obama on health reform as the expansion of children's health insurance program with child health insurance the state and give more Americans access to Medicaid.

Governor Sebelius has also proven to stand the industry of health insurance. As insurance commissioner, she blocked the purchase of Kansas largest insurer by another company. All went to the Kansas Supreme Court, the decision was finally confirmed Sebelius and the sale was stopped.

Sebelius has also been praised for the fight against health plans ration care and the fight against health care providers to meet the patients initially wrote the Times article.

other, as Kansas Governor Sebelius has been unable to push all the reform policies of health care because of fierce resistance from Republican lawmakers.

But at the federal level, Sebelius will benefit from a Democratic majority in both houses of Congress, which definitely things a bit easier than in Kansas.

To summarize, the Governor Sebelius will stand up with health insurance companies, to be a strong consumer advocate and push for a greater government role in health care and insurance.

We resist the cliché magician of Oz.

So far, the insurance program Florida Florida health coverage implemented by the governor. Charlie Crist has not taken with residents just yet

Since January 5, 09, only 952 residents have signed up for coverage, reported Orlando Sentinel - a sign that the program is not as good as the option as Governor Crist hoped.

to help combat low enrollment, Governor Crist urged organizations around the state to promote the program.

"Spread the word affordable coverage health care is available," said Governor Crist.

Information Network Health Action Florida Community, an advocacy group for health care, was not surprised by the low number, wrote the article Sentinel.

"from subsidies to help low-income people pay their premiums were completely absent from the mixture, let alone those who might have considered the limited coverage before will now be in the middle of a recession," said the director of the group's policy, Greg Mellowe.

interesting on it.

does that mean the program is a failure or just another victim of the weak economy?

Wednesday, President Barack Obama signed an order Executive to establish a formal office specifically designed to bring the health care reform in this country.

office, the office of the White House health reform, will oversee the health care reform on a large scale work with members of Congress, health care organizations and health insurance and everyone else with an interest in policy change.

As stated in the decree of the President, the main purpose of the Office of health reform is to push through Obama's agenda for health care, reported the Washington Post Blog 44.

Nancy-Ann DeParle, a former director of the Health Care Financing administration under President Clinton, will lead the office as the so-called "reform czar Health."

If the setting establishment of this office was not enough to convince everyone that President Obama is serious about health reform, he also said the Secretary of health and human Services to humans (Kansas Governor Kathleen Sebelius) will create another health reform office within HHS.

In Great Health Reform the debate, there are many split when it comes to a public health insurance plan

most Democrats in Washington say such a plan is critical - .. not only provide Americans an affordable option health insurance, but also to compete with private plans and promote healthy competition

Republican lawmakers, the insurance industry and other opponents of the idea say the public plan the introduction of such an option would actually take some private companies on the market.

Thus, US Senator Charles Schumer of New York proposed a bit of a compromise by establishing specific rules of the public plan must follow, as reported by The New York Times . The public health plan must:

• pay claims with premiums and co-payments, and should not receive tax revenues
• Pay more doctors than Medicare
• not urge physicians to participate if they already accept Medicare patients
• have administrators that do not regulate the insurance market

"the public plan must be subject to the same rules and requirements as all other plans, "said Senator Schumer.

obviously there are still many points to make. But we believe it is probably a good thing Democratic lawmakers have shown willingness to compromise in their super-majority status.

Last week, US Senator Edward Kennedy unveiled his landmark 0- and health care page and health insurance reform.

This week, the Congressional Budget Office said that Senator Kennedy plan will increase the federal deficit by a whopping $ 1 trillion in just 10 years, reported Reuters .

CBO estimates the cost of the bill by reviewing provisions that the Kennedy bill stands now, but they emphasized that the bill was incomplete -. so take the number with a grain of salt

Yet the damage done.

critical reforms of Democratic lawmakers have now only political fuel that could maintain reform arrangements as a public health insurance plan option at bay.

If health reform could be killed this year, the cost could be the biggest danger.

What is the political benefit for criticism of Kennedy bill? See how this hypothetical title might look like the average person who only pays attention to the causally health reform debate: the health reform will cost $ 1,000,000,000,000. What attention grabber.

White House Robert Gibbs acknowledged what a political time bomb that could be, but said we can not let "political posture stand in the way of reform," reported Article Reuters.

President Obama has also been actively lowering expectations about reform, explaining that it will cause a short-term deficit

Kennedy spokesman Anthony Coley has launched a warning, as well :. "as the CBO letter indicates, this is an incomplete statement of an incomplete bill. We look forward to a complete CBO estimate of a complete bill. "

Yet the damage done.

Helen Thomas and Chip Reid of CBS was among the critics who slammed President Obama for prepackaging a town hall meeting yesterday, reports CBS News .

the one-hour discussion on health insurance reform took place in the northern Virginia and included seven questions from the audience live, Twitter and YouTube

with a tearful 53, a woman who does not know how to get coverage for her cancer the others called all had close ties with the Obama administration :. international Union service employees, health care for America now, and Organizing for America, part of the Democratic National Committee. officials white House said that it was a coincidence.

Even if a question from Republican Rep. Michael C. Burgess, who challenged Obama for supporting caps on medical malpractice awards, the issue was far and large Softballs. Moreover, a meeting of the Town Hall is not a press conference, and are not bound by the same standards of transparency.

Regardless, during a daily briefing with the spokesman of the White House Robert Gibbs, Thomas Reid and torn in Gibbs, accusing him of prepackaging the event and try to control the media.

local public meetings have long been a trademark of Obama's communications strategy and it is clear that they rely on public pressure to help push legislation for health care reform by the bias. At the meeting yesterday, the President said, 8220; To get there, I'm going to need ordinary Americans to stand up and say now is the time. "

intelligent campaign deception or contrary to ethics? Judge for yourself.

Democrats pushed the insurance legislation disease by a committee of key Congress Friday providing Obama with some success before the break House. The Committee on Energy and Commerce of the House has adopted draft law 31-28 along party lines, reports the Associated Press .

The next step is the consideration of issues House, probably in September. In the Senate, several officials said Max Baucus had informed fellow senators he intends to convene his Finance Committee to begin voting by September 15.

At present, the draft law does not go well with Republicans and even some Democrats. Few concessions were made to their proposed amendments, mainly dealing with: the elimination of a public plan option; not to increase the deficit; new rules governing medical decisions, waiting time to see a doctor and HSA options; and prohibitions on abortion funding and benefits to illegal immigrants.

This is not a small list.

And they do not take this month off to campaign for them. In the Senate, plans are already in motion for public meetings and a blizzard of appearances on radio and television.

Senators Tom Coburn of Oklahoma, a family practice physician, and John Barrasso of Wyoming, an orthopedic surgeon, will take their "Senate Doctors Show," an Internet program on the road to argued that democratically not improve care or control costs.

in the House, representative Mike Pence of Indiana, chairman of the Republican Conference, distributed a packet to colleagues Friday urging him to argue that the Democrats plan would include "more than $ 800 billion in new tax hikes" and "harmful cuts" to Medicare that would "result in millions of seniors losing their health coverage . "

Of course, the Democrats have their own offensive in August planned but are preparing specifically against insurers, a more hard-line approach against the industry than they have married so far .

These days, health insurance is the villain. President Obama and many other legislators link the industry to health insurance as the common enemy of all Americans can unite against.

Although it, AOS no lie that health insurance premiums are increasing for everyone, isn, AOT insurance industry the real culprit.

It, AOS in health care costs.

After speaking with an actuary to one of the largest insurance companies in the United States, we learned the cost of health care services is one of the largest rates of drivers 'insurance (in the individual market health insurance, a health application covered, AOS is the other).

So really, when we see studies like this that show the disease insurance premiums are rising faster than inflation and wages, it, AOS does not tell the whole story .

Of course, it makes the insurance companies seem bad, but insurance premiums due to rising faster than inflation as the cost of health care services is faster than the 'inflation.

insurance premiums are directly linked to the price of care doctors, AO. Said more accurately, health insurance premiums are to thank you the full cost of health services.

There are of course a bajillion other factors that go into the health reform effort, but we just wanted to clarify this one thing.

During the last months of health insurance and debate health care, most discussions centered around whether we should have a health plan run by the government public inserted in the private market.

The state of the debate, of course, is still ongoing.

But there is a debate in the grass that we predict will take a step forward and center very soon. It is the notion of an individual mandate requiring all Americans to carry some form of health insurance.

Now there are many different arguments for this gem of a subject, so today we will simply expose the basics so that we can discuss all the pieces of the puzzle that debate going on.

Here are some of the topics for discussion:

• Is it a constitutional individual mandate
  Already some have brought it to light ?. It could be a Supreme Court-type case they must decide whether the federal government can constitutionally enforce such a law. Then there is the question of whether a mandate would set a precedent for future mandates by the federal government.
• How should you apply the mandate?
  Senator Olympia Snowe was able to push through an amendment that delays and reduced fines for Americans who challenge the individual mandate. Under the amendment of Senator Snowe, the maximum fine for a family is $ 0 in 2014, up to $ 800 in 2017. Another point of debate will be how the government will be able to identify those who could afford health insurance but choose not to buy coverage.
• What would an individual mandate mean for the insurance industry PHI?
  With a new client pool of some 40 million Americans, an individual mandate would mean private industry would increase considerably. We all hope that this fact is leading to increased competition for new customers, improve quality and reduce prices.
• What does the term mean politically?
  For President Obama, an individual mandate for everyone is a little hairy. The President ran in the primary (against Secretary of State Hillary Clinton) on the idea that we should not have a mandate for all. We'll have to dance a fancy policy to avoid this potentially damaging policy.

There will probably be much more on the individual mandate, and we'll try to keep it on.

Not surprisingly, the bill to block pay cuts to doctors Medicare was defeated in the Senate yesterday. This is the bill that would have stopped the sustainable growth rate (SGR) formula that is more or less intended to curb the rate of doctors to climb too fast.

The American Medical Association and AARP said they were "deeply disappointed" reports website Wall Street Journal health.

But if history is any indication, the proposed 21% cuts will not pass anyway. Congress usually passes a short-term solution to stop the planned cuts this year. Then does it again the following year and the next, but always stops short of scrapping the system altogether.

The way the Senate Majority Leader Harry Reid said: "Right now, we are going a solution of one year. "

Here's the thing: Blocking the cut would add $ 247 billion in federal spending over the next decade And while there is talk that the Republicans will propose amendments to offset the cost, nothing. has yet been realized.

However, the issue is far from over. More strife will ensue around this issue, particularly with the project of the recently introduced House that completely ax the SGR formula .

Concessions on abortion coverage were essential to the passage of the House for their insurance bill Saturday disease. But these concessions are not sitting well with many Democrats, including two of the main contenders for the seat of Ted Kennedy. The two leaders Attorney General Martha Coakley and Michael E. Capuano representative voted against the bill in response to the Stupak-Pitts Amendment which prohibits federal plans to cover abortions.

"To pretend that now the House passed this bill is real progress - it is at the expense of women's access to reproductive rights," said Coakley Boston WTKK-FM radio station .

The President does not sell on the provisions of abortion in the House bill, either. "There must be some more work before reaching the point where we're not changing the status quo (on abortion)," said President Obama ABC News on Monday.

While the president is unequivocally not allow federal funds to subsidize abortion (which was banned by the Hyde Amendment in 1976), it promises to balance this "infinite women's insurance choices. "

This question turns gray very quickly because the reform may affect abortion in a myriad of ways - everything that honors the Hyde Amendment -. But panoramic differently in practice Unfortunately, this generates many emphasis and misleading statements from both sides. It's probably create much more controversial than it should, but certainly understandable since abortion is an emotionally wrought question.

Even the White House acknowledges the sensitivity of the issue. They were quick to point out that this draft healthcare bill, not a bill on abortion.

for good ventilation sober resourcefulness details the Stupak-Pitts Amendment, we recommend Politifact discussion of the question.

For months, the public health insurance option was probalby the most controversial issue in health reform debate. He dragged and dragged until eventually it was abandoned this week in the Senate to the chagrin of the left, but glee right.

But because the reform debate can never be resolved, Senate Democrats now want to expand Medicare for older Americans over 55 years, giving people a decade an option to crack original public.

So now the debate is back on. Of course, proponents argue it will guarantee health insurance coverage for people who might otherwise be uninsurable by the private market, while critics say it is just another way of trying to sneak universal health care payer in the US

the experts are quick to point out that expanding Medicare is a vital compromise for those who strongly support the public option.

Really, this seems like a back-up pre-meditated plan of Senate Majority Leader Harry Reid if the public option was killed.

So what are the experts saying? Here are some insightful arguments for and against, courtesy of The New York Times

J. Michael McWilliams of Harvard Medical School

" Near -couverture universal health insurance is also associated with reduced mortality rates for hospitalized patients and reducing racial disparities and socioeconomic in the control of blood pressure, blood sugar and cholesterol. These distinctive health benefits suggest that the expansion of coverage for uninsured adults near seniors can not cost as much as previously thought, as these adults enter traditional Medicare eligibility at age 65 with less risk of costly complications. "

Stuart Butler of the Heritage Foundation:

" [M] all or most of these eyes for a buy-in would be eligible for coverage and subsidies under the new exchanges. So why put Medicare in the picture - unless your real goal is simply to expand coverage sponsored by the government "